Back to Top

 
       
     
     
       
  Your Health Always Comes First  
     
  Life is full of uncertainties, no one knows for sure when accidents or illnesses will strike. Long-term or serious illnesses may cause you unexpected financial burden. Taipan Medical Insurance Plan provides you with a secured safety net and comprehensive medical protection, allowing you to concentrate on your treatment for a speedy, worry-free recovery.  
       
       
  Plan Highlights    
  Plan Features    
  Plan Coverage    
  Preventive Care  
  Important Notes  
  Exclusions    
       
Plan Highlights
 
       
  No waiting period* – Medical protection starts once the policy is takes effect  
  Easy enrolment with no medical examination is required  
  "No Hospital Bills to Pay" Service – No pre-payment for admission, no claims upon discharge1  
  Worldwide coverage with benefit amounts remain unchanged regardless of the duration of overseas stay  
 
* Not applicable to Maternity Benefits and Optional Dental Benefits.
 
     
  Back to Top    
       
Plan Features
 
     
  Comprehensive Protection Makes You Worry-free  
     
  Comprehensive Worldwide Health Plan
No matter where you are and what medical services you received, all your reasonable medical expenses are covered up to the maximum benefit limit of the plan.

 
  No Additional Premium on Claims History upon Renewal
Regardless of your claims history and the change of health status, no additional premium will be imposed individually upon policy renewal.

 
  Guaranteed Lifetime Renewal2
After enrolment, we guarantee your policy will be renewable for lifetime, regardless of your health status or claims history.

 
  Coverage for Prolonged and Advanced Treatments
Chronic treatments always impose heavy financial burdens to patients. We offer coverage for chronic treatments to relieve patients' financial burden due to prolonged recovery such as kidney dialysis, cancer therapy, organ transplantation, tumour related treatment and pacemaker implantation, etc.

What’s more, we also extend to cover the medical expenses incurred by advanced medical technologies or procedures like cyber knife, gamma knife and tomotherapy.
 
     
  Coverage for Non-hospital Admission or Day Case Surgery
We always strive to give you the protection in your moments of need. Our coverage also includes treatments or surgeries such as radiotherapy, chemotherapy, endoscopic procedures, cataract operations, extracorporeal shockwave lithotripsy, etc. which do not require inpatient admission and are undertaken in the clinics or day case units of hospitals.

 
  Coverage for Pre- and Post-Surgical Treatments
Covering both pre- and post-surgical treatments related to the same injury or illness. The coverage includes one pre-surgical consultation and all follow-up clinic consultations within 6 weeks after surgical operation.

 
  Free Coverage for Newborn Infant
If both parents are covered under Taipan Medical Insurance Plans, newborn infant will be covered under the Basic Plan from the age of 12 days until the next policy renewal date.

 
  No Claim Discount3  
  Upon renewal, the insured will receive No Claim Discount on the premium payable for the Basic Benefits, if no claim under Basic Benefits has been made during the respective no claim period as specified in the table below.  
 
No Claim Period Immediately
Preceding Renewal
Discount Rate
1 year 5%
2 consecutive years 5%
3 consecutive years 10%
4 consecutive years 10%
5 consecutive years or more 15%
 
     
     
  Back to Top    
       
Plan Coverage
 
     
  Basic Benefits  
 
1.
Basic Hospital and Surgical Benefits
The benefits cover 100% of eligible expenses in excess of a deductible amount (if chosen) of the applicable benefit for each disability, subject to the following maximum benefit limit per disability:
Benefit Items Maximum Benefit Limit Per Disability (US$)
Room and Board
- Unlimited days of confinement
Full Cover
Miscellaneous Hospital Charges Full Cover
Surgeon's Fees Full Cover
Anaesthetist's Fees# Full Cover
Operating Theatre Charges# Full Cover
Companion Bed for Insured Child
Applicable to insured below aged 19 (Unlimited days of stay)
Full Cover
Physician's Visit Fees, Specialist's Fees, Pathologist's and Radiologist's Fees Full Cover
Registered Private Nurse's Fees and Physiotherapy Services Full Cover
Special Charges
1. Blood and blood plasma
2. Prosthetic devices
Full Cover
Mental or Psychological Treatment
- Limit per day
- Limit per year

150
4,000
Outpatient Surgery Cash Allowance*
Per surgical Day Case Procedure^
300
# On condition that Surgeon’s Fees are payable by Blue Cross.
* Only applicable to the following day-case surgical procedures: Gastroscopy (including Esophagogastroduodenoscopy), Colonoscopy, Cystoscopy, Arthroscopy, Colposcopy and Bronchoscopy.
^ “Day Case Procedure” means a medically necessary medical or surgical procedure which is performed by a physician in an outpatient facility. An outpatient facility may refer to a physician’s clinic, a day case centre, a day care centre, or an outpatient department or equivalent facility established and operated by a Hospital.
 
  Below choices of deductible are offered for your enrolment to enjoy Basic Hospital and Surgical Benefits with lower premium:
Deductible Amount Per Disability US$ 1,000 / 2,000 / 3,000
Please refer to the premium tables


2.
Maternity Benefits
The benefits cover 100% of hospital inpatient charges, surgeon’s fees and special charges (including pre- and post-natal care clinical consultation and up to 7 days nursing care), subject to the following maximum benefit limit:
Benefit Items Maximum Benefit Limit (US$)
Caesarean Section (Waiting period: 1 year) 5,000
Normal Delivery (Waiting period: 1 year) 4,200
Miscarriage or Therapeutic Abortion (Waiting period: 90 days) 3,600
Remarks: The overall maximum limit for Basic Hospital and Surgical, Maternity and Optional Outpatient Benefits is US$250,000 per disability, subject to the limit of each benefit item. For insured aged 76 or above, such overall maximum benefit limit is US$130,000.
  All expenses incurred must be Reasonable and Customary4 and Medically Necessary5.


3.
Extra Free Benefits
Personal Liability Benefits
Personal Effects Benefits
24-hour Worldwide Emergency Aid
   
 
   
   
     
  Optional Benefits  
 
1.
Optional Outpatient Benefits
According to the level of reimbursement you have selected, these benefits cover 100% or 80% of eligible outpatient expenses of the benefit items.

2.
Optional Dental Benefits
The benefits cover 100% of eligible expenses of dental services including oral examination and scale & polish up to the designated maximum limit.

3.
Optional One Million Coverage Benefits
For those who look for a more ample-amount coverage, the overall maximum limit of Basic Hospital and Surgical Benefits, Maternity Benefits, and Optional Outpatient Benefits can be increased to US$1,000,000 per disability*.
*Subject to the limit of each benefit item
4.
Personal Accident Benefits
Covers accidental death or disablement due to accidents according to the table of benefits (please refer to brochure for details).
Remark: All expenses incurred must be Reasonable and Customary4 and Medically Necessary5.
 
   
   
     
  Back to Top    
       
Preventive Care
 
     
  Annual checkup programmes are designed exclusively for Taipan Medical Insurance Plan with details below:  
 
1.
Free Annual Health Checkup
2.
Free Annual Dental Checkup
3.
Optional Checkup Programme (available at preferential rates)
 
     
  For full details, please refer to the brochure of "Taipan Medical Insurance Plan".  
     
  Back to Top    
       
Important Notes
 
     
 
1.
No Hospital Bills to Pay only applicable to admission to private hospitals in Hong Kong. A Hospitalisation Pre-registration Form is required to be completed and return to Blue Cross for registration and authorisation process at least 4 working days prior to admission. The liability of Blue Cross under the policy is limited to indemnify the insured for the eligible medical expenses payable in accordance with the Taipan Medical Insurance Plan. Blue Cross shall recover from the insured the medical expenses settled on behalf of the insured which fall outside coverage of the policy (if any).

2.
Guaranteed Lifetime Renewal is not applicable to Optional One Million Coverage Benefits and Optional Personal Accident Benefits. Renewal is guaranteed (subject to the availability of the Plan at the time of renewal) and Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured’s health status or claims history at the time of renewal. However, Blue Cross reserves the right to revise the terms and conditions of the policy and adjust the premium upon policy renewal due to, for example, age-related adjustment, a particular risk class or change of risk class.

3.
In the event that after the insurance coverage for that insured is renewed at a No Claim Discount, a claim by that insured for any benefit under the Basic Benefits section, which has accrued in the previous period of insurance, is paid or becomes payable by Blue Cross, the policyholder shall reimburse the discounted amount to Blue Cross within 21 days from the date of the invoice. No benefits shall be payable to the insured under this policy unless the discounted amount is received by Blue Cross.

4.
Reasonable and Customary refers to a charge for medical treatments, services or supplies which does not exceed the general level of charges being charged by the relevant service providers or suppliers of similar standing in the locality where the charge is incurred for similar treatments, services or supplies to individuals of the same sex and age, for a similar disease or injury. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred. In determining whether an expense is Reasonable and Customary, Blue Cross may make reference to the following (if applicable): a) the gazette issued by the Hong Kong Government which sets out the fees for the private patient services in public hospitals in Hong Kong; b) industrial treatment or service fee survey; c) internal claim statistics; d) extent or level of benefit insured; and/or e) other pertinent source of reference in the locality where the treatments, services or supplies are provided.

5.
Medically Necessary refers to the need to have treatment or service for the purpose of treating a disability in accordance with the generally accepted standards of medical practice and such treatment or service must: a) require the expertise of a qualified medical practitioner; b) be consistent with the diagnosis and necessary for the treatment of the condition; c) be rendered in accordance with professional and prudent standards of medical practice, and not be rendered primarily for the convenience or the comfort of the Insured, his/her family members, caretaker or attending qualified medical practitioner; and d) be rendered in the most cost-efficient manner and setting appropriate in the circumstances.

 
   
     
  Back to Top    
       
Exclusions*
 
     
 
1.
Treatment or test which is not Medically Necessary; or purchase of drugs which are not prescribed by a physician.
2.
Confinement solely for the purpose of general checkup, diagnostic X-ray, advanced imaging, laboratory test or physiotherapy.
3.
Treatment related to Congenital Conditions (except Hernias, Strabismus and Phimosis) or Developmental Conditions or disease of similar kind.
4.
Pre-existing Conditions.
5.
Expenses directly or indirectly arising from Human Immunodeficiency Virus ("HIV") and its related Disability, including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof, consequential upon an HIV infection occurring before the Insured Effective Date.
6.
Treatment or Disability directly or indirectly arising from or consequent upon: the abuse of drugs or alcohol, self-inflicted injuries or attempted suicide, illegal activity, or driving or maneuvering machines whilst exceeding the prescribed alcohol and drug limit, or venereal and sexually transmitted disease or its sequelae.
7.
Any charges in respect of services for beautification, cosmetic purposes or non-medically related conditions; expenses for hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, etc.
8.
Except as otherwise provided in the Terms and Conditions for "Optional Dental Benefits" in the policy, treatment of a dental condition and oral surgery (except treatment of an emergency and surgery arising from an accident received by an insured during confinement) as well as follow up treatment of the dental condition or oral surgery whether as an inpatient or outpatient.
9.
Except as otherwise provided in the Terms and Conditions for" Normal Delivery/Caesarean Section" and "Miscarriage or Therapeutic Abortion" in the policy, all investigation, treatment, surgical procedure and counselling service relating to maternity conditions and its complications, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility, etc.
10.
Except as otherwise provided in the Terms and Conditions for "Mental or Psychological Treatment" in the policy, treatment directly or indirectly arising from any psychotic, psychological, or psychiatric conditions and any physiological or psychosomatic manifestations thereof.
11.
Treatment or Disability directly or indirectly arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection or military or usurped power; resulting from taking part in military, air force, naval and other disciplinary services.
* Applicable to the Basic Benefits, Optional Outpatient Benefits and Optional Dental Benefits.
 
   
   
     
     
  Back to Top    
       
Basic Benefits
   
Extra Free Benefits
   
Personal Liability Benefits  
Personal Effects Benefits  
24-hour Worldwide Emergency Aid  
Preventive Care  
Optional Benefits
 
       
       
  For more information and related documents, please download here.   Talk to us directly:
  Product Leaflet Terms & Conditions Application Forms Welcome Offer   3608 2988 or email us
 
  Notes:  
 
1. The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions. For more information or a copy of the policy terms and conditions, please click here or contact our Customer Service Department on 3608 2988/ by email cs@bluecross.com.hk for enquiry.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
 
     
  The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.